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Been riding this winter at near and below freezing lately but with a windshield, the only direct contact with wind is on my legs and goggles (that's probably not full wind either coming up and over the windshield). So when I feel a little cold it's on the little gap between goggles and balaclava. It's never felt more than just chilly. The chart says it should feel like - 9 degrees. Maybe it is that cold on that 1/4 inch strip of skin exposed but it's not so cold to be intolerable or even too uncomfortable. So I guess without a windshield you just need to bundle up more since your whole body would feel - 9.
